I have completed my Iva in full and all my credit reports are clean and clear of all defaults after the 14th Feb. I have £600 a month in my pay to lease a car, earn over £70k a year and have no debt and 1 cc which I pay off every month in full along with phone contracts and mortgage for the past 10 years. Will I enter any issues with a pcp car deal as I’m nervous

I waited until all my defaults had dropped off (6 years from start of IVA) then waited another 6 months before even applying for a PCP, so my credit records showed good management and clear of any insolvency involvement. Had no issues.

Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues

http://kallis3.blogs.iva.co.uk/Sharing from experiences of dealing with debt The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.Bob Marley.

I waited until all my defaults had dropped off (6 years from start of IVA) then waited another 6 months before even applying for a PCP, so my credit records showed good management and clear of any insolvency involvement. Had no issues.

thanks, have got lots of good history, 12 months of a CC and 10 years mortgages/bank/bills/mobiles etc. Just a leap of faith

If they ask the question you will have to answer yes. Otherwise you don't need to mention it.

http://kallis3.blogs.iva.co.uk/Sharing from experiences of dealing with debt The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.Bob Marley.

If there is nothing showing on your credit file you should stand as good a chance of anyone when it comes to car finance.

Thanks for your response, DO companies only use the 3 main CRA or do there look at Noddle and Clearscore also - only ask as these 2 are some 4 - 6 wek behind as they are monthly reports

Lenders only use the three agencies -- Clearscore and Noddle are "powered" by those agencies themselves and are not seen by lenders, nor are credit scores seen by them either, just your actual history.